SBN HOLDINGS LIMITED Annual Report 2022
OUR VALUE CREATION STORY
16
Our resource
allocation framework
Allocating
our
resources
We carefully allocate our
resources - capital, funding,
capabilities and expertise -
using our resource allocation
framework.
Designed to drive sustainable growth and
value, our resource allocation process is
aimed at addressing specific client needs.
Once these have been identified, gated
hurdle rates are applied to assess the
soundness of the investment required.
If the investment meets these hurdles,
targeted metrics ensure that our rates of
return are met as the solution is
implemented. Detailed scenario-based
thinking allows us to anticipate and plan
for volatility and complexity and frames
the allocation process.
Led through the lens of
client strategy
We invest to serve clients more efficiently,
creating and distributing relevant, personalised
and innovative solutions.
Supported by a prioritised
investment portfolio
We are deliberate in tilting our portfolio to grow
the core banking franchise and to grow a capital
efficient business.
Resource allocation
decisions subjected to
gated hurdle rates
Our decision-making framework is aligned to our
strategy and resource allocation requests are
subject to hurdle rates of return.
Allocation tested against
risk appetite
We regularly review and amend our risk
appetite across segments and solutions.
Progress measured
against set targets
We develop, refine and track metrics that are easy
to understand and measure, are actionable and
aligned to our strategy.
SBN HOLDINGS LIMITED
Annual report 2022
Dead vlei-Namibia
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